Acura MDX Insurance Rates
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Michelle Robbins
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UPDATED: Apr 26, 2024
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Are Acura MDX expensive to insure in comparison to other vehicles? Average Acura MDX car insurance costs $1,468 a year, or $122 a month. Learn more about Acura MDX insurance rates and how to save on Acura MDX costs in our guide.
To find out how much does an Acura MDX cost to insure in your area, enter your ZIP code in our free tool above.
U.S. average insurance rates for an Acura MDX are $1,436 a year including full coverage. Comprehensive insurance costs approximately $344 a year, collision costs $536, and liability is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing $3,084 or more. Teens pay the highest rates at $5,252 a year or more.
Average premium for full coverage: $1,436
Price estimates by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and MDX trim levels.
Price Range from Low to High
For a driver in their 40's, Acura MDX insurance prices go from as low as $460 for a discount liability-only rate to a high of $3,084 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how location helps determine auto insurance prices.
The ranges above highlight why it is important to compare rates quotes using their specific location and risk profile, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below breaks down estimated Acura MDX insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $832
- Raising to $1,000 deductibles will save $1,236 every year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,436
- Selecting low $100 deductibles will cost an extra $386 every year
- At-risk drivers with serious driving violations could pay around $3,084 or more
- The price for full coverage for a teen driver can cost $5,252
Auto insurance prices for an Acura MDX are also quite variable based on your driving record, the model of your MDX, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age
The state you live in also has a big influence on Acura MDX insurance prices. A middle-age driver might find prices as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,050 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,300 | -$136 | -9.5% |
| Alaska | $1,104 | -$332 | -23.1% |
| Arizona | $1,194 | -$242 | -16.9% |
| Arkansas | $1,436 | -$0 | 0.0% |
| California | $1,638 | $202 | 14.1% |
| Colorado | $1,372 | -$64 | -4.5% |
| Connecticut | $1,480 | $44 | 3.1% |
| Delaware | $1,628 | $192 | 13.4% |
| Florida | $1,798 | $362 | 25.2% |
| Georgia | $1,328 | -$108 | -7.5% |
| Hawaii | $1,034 | -$402 | -28.0% |
| Idaho | $974 | -$462 | -32.2% |
| Illinois | $1,072 | -$364 | -25.3% |
| Indiana | $1,082 | -$354 | -24.7% |
| Iowa | $970 | -$466 | -32.5% |
| Kansas | $1,366 | -$70 | -4.9% |
| Kentucky | $1,962 | $526 | 36.6% |
| Louisiana | $2,128 | $692 | 48.2% |
| Maine | $888 | -$548 | -38.2% |
| Maryland | $1,184 | -$252 | -17.5% |
| Massachusetts | $1,150 | -$286 | -19.9% |
| Michigan | $2,498 | $1,062 | 74.0% |
| Minnesota | $1,204 | -$232 | -16.2% |
| Mississippi | $1,722 | $286 | 19.9% |
| Missouri | $1,276 | -$160 | -11.1% |
| Montana | $1,544 | $108 | 7.5% |
| Nebraska | $1,134 | -$302 | -21.0% |
| Nevada | $1,724 | $288 | 20.1% |
| New Hampshire | $1,036 | -$400 | -27.9% |
| New Jersey | $1,608 | $172 | 12.0% |
| New Mexico | $1,274 | -$162 | -11.3% |
| New York | $1,514 | $78 | 5.4% |
| North Carolina | $828 | -$608 | -42.3% |
| North Dakota | $1,178 | -$258 | -18.0% |
| Ohio | $994 | -$442 | -30.8% |
| Oklahoma | $1,478 | $42 | 2.9% |
| Oregon | $1,318 | -$118 | -8.2% |
| Pennsylvania | $1,372 | -$64 | -4.5% |
| Rhode Island | $1,920 | $484 | 33.7% |
| South Carolina | $1,304 | -$132 | -9.2% |
| South Dakota | $1,212 | -$224 | -15.6% |
| Tennessee | $1,260 | -$176 | -12.3% |
| Texas | $1,732 | $296 | 20.6% |
| Utah | $1,064 | -$372 | -25.9% |
| Vermont | $984 | -$452 | -31.5% |
| Virginia | $860 | -$576 | -40.1% |
| Washington | $1,112 | -$324 | -22.6% |
| West Virginia | $1,318 | -$118 | -8.2% |
| Wisconsin | $996 | -$440 | -30.6% |
| Wyoming | $1,280 | -$156 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $590 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 132% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes and see which company has the best price. Every auto insurance company calculates prices differently, and quoted prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura MDX 4WD | $1,394 | $116 |
| Acura MDX with Tech Package 4WD | $1,436 | $120 |
| Acura MDX with Tech/Entertainment 4WD | $1,436 | $120 |
| Acura MDX Advance 4WD | $1,478 | $123 |
| Acura MDX Advance/Entertainment 4WD | $1,478 | $123 |
Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Acura MDX | $358 | $542 | $390 | $1,448 |
| 2023 Acura MDX | $344 | $536 | $398 | $1,436 |
| 2022 Acura MDX | $332 | $524 | $416 | $1,430 |
| 2021 Acura MDX | $320 | $502 | $430 | $1,410 |
| 2020 Acura MDX | $304 | $484 | $442 | $1,388 |
| 2019 Acura MDX | $292 | $450 | $452 | $1,352 |
| 2018 Acura MDX | $280 | $424 | $456 | $1,318 |
| 2017 Acura MDX | $268 | $380 | $460 | $1,266 |
| 2016 Acura MDX | $250 | $350 | $460 | $1,218 |
| 2015 Acura MDX | $242 | $328 | $464 | $1,192 |
| 2014 Acura MDX | $236 | $306 | $474 | $1,174 |
| 2013 Acura MDX | $218 | $284 | $474 | $1,134 |
| 2012 Acura MDX | $212 | $258 | $478 | $1,106 |
| 2011 Acura MDX | $198 | $236 | $474 | $1,066 |
| 2010 Acura MDX | $186 | $214 | $474 | $1,032 |
| 2009 Acura MDX | $180 | $192 | $468 | $998 |
| 2008 Acura MDX | $178 | $188 | $460 | $984 |
| 2007 Acura MDX | $176 | $178 | $452 | $964 |
| 2006 Acura MDX | $160 | $170 | $446 | $934 |
| 2005 Acura MDX | $154 | $162 | $442 | $916 |
Rates are averaged for all Acura MDX models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Acura MDX Insurance
Getting lower rates on car insurance consists of having a decent driving record, having good credit, being claim-free, and not having any coverage lapses. Invest time comparing rates at least once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The following items are a brief recap of the primary concepts that were covered in the charts and tables above.
- You may be able to save around $170 per year simply by quoting early and online
- Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,650 more per year than a driver with a clean driving record
- Increasing physical damage deductibles can save around $575 each year
- 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $438 a month if they have full coverage
Whether you are looking to save on 2008 Acura MDX insurance costs or 2014/2015 Acura MDX costs, shopping around for rates is the best way to save on insurance.
If you are ready to save on the Acura MDX cost to own by reducing Acura insurance rates, enter your ZIP code in our free tool below to see how much is an Acura MDX to insure in your area.
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What are the safety ratings of the Acura MDX?
Is an Acura MDX reliable? If an Acura MDX’s safety ratings and features are poor, MDX average rates will be higher than average. Luckily, the Acura MDX has some great safety features, such as brake assist, traction control, lane departure warning, and lane-keeping assist.
The Insurance Institute for Highway Safety (IIHS) has also crash-tested the MDX, with good results.
- Small overlap front (driver-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
View the video below for an example of the IIHS’s crash testing on the MDX.
Acura MDX Compared Against Other Vehicles in the Same Class
The Acura MDX is a midsize, luxury SUV. The IIHS found that the Acura MDX’s property damage liability losses are average, and its bodily injury liability losses are substantially better than average. This is great, as it means the Acura MDX should have reasonable liability insurance rates.
To see how the Acura MDX’s rates compare to other midsize, luxury SUV rates, view the list below.
To find out how much does it cost to insure an Acura MDX in your area and find savings, enter your ZIP code in our free tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,252 |
| 20 | $3,276 |
| 30 | $1,504 |
| 40 | $1,436 |
| 50 | $1,312 |
| 60 | $1,284 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,822 |
| $250 | $1,646 |
| $500 | $1,436 |
| $1,000 | $1,236 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,436 |
| 50/100 | $1,558 |
| 100/300 | $1,657 |
| 250/500 | $1,916 |
| 100 CSL | $1,597 |
| 300 CSL | $1,816 |
| 500 CSL | $1,976 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,494 |
| 20 | $5,202 |
| 30 | $3,156 |
| 40 | $3,084 |
| 50 | $2,938 |
| 60 | $2,912 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $104 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $65 |
| Advance Quote | $70 |
| Online Quote | $102 |
| Total Discounts | $604 |
Discounts are estimated and may not be available from every company or in every state.
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